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no - i agree as well - $2000oz was NOT unrealistic considering there was no end in sight. however, i had a feeling that the cash rate rises were unsustainable and i hung on - by the skin of my fingernails - but i hung on. i don't see any huge rises coming up. i trust my billing fees will...

gee those nutjob conspiracy theories of mine don't sound so....well, nutjobby now. i reckon the RBA will raise rates, realise the mistake and have to save face by not raising them again until 2010, when the next big US sell off begins.

weren't firstmac offering a 2.99% fixed for 1 year? i'm switching asap - CBA can take it and shove it. i was promised the world when i signed, now (i kid you not) they shut my cc down the day before the bill is due...."lo doc? yeah no problem..."

lol AMP have a "Pro Pack" and funky little names like that as well!

sounds like AMP Rick - i'm headed there now!

fixed rates COULD come down, but banks are arguing their funding costs are increaing - which is true, but the funding costs that are increasing make up only 20% of their total funding base.

yah yah spot on electro.

then that is smart investing and i like it :D

if prices AND IR's don;t move - then you lose! all the pro-variable talk assumes the banks won't raise rates independantly of the RBA. we've seen a dangerous precendent. banks will strangle a country if they're allowed, and currently, there's no legislation to stop them.

champion - kudos:D

ah fudge - looks like i've missed the boat. sh*t sh*t sh*t sh*t sh*t. still, i'm on 5.04% AFTER the 0.10% rise, i might just ride it out and see what happens...no point fixing UP over 200bp and missing out on the saving in between now and then. at least now i can budget for it.

same here Witzl.

i still call a 0.25% cut to pre-empt bad news in the budget.